Bank Analysis School September 2023 - Presentations & Resources

Internal Use Only

Which Results in a Mismatched Balance Sheet Structure

Nearly all assets mature or re-price within one year. Deposit base is very stable and not sensitive to interest rate changes. Management adjusts deposit rates very little in response to changes in market interest rates.

Asset Structure:

Funding Structure:

Internal Use Only

How did the Net Interest Margin React to Rising Interest Rates?

(Chat storm)